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Samuel Torres | Health and Life Insurance Agent | Allentown, PA 18109

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Allentown, PA Seguro Médico

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Su Proveedor de Seguro Médico Asequible de Allentown, PA

¿Está buscando un seguro de salud asequible y de calidad en Allentown, PA? Si eres como la mayoría de las personas, está en tu mente. Probablemente haya completado formularios y haya hecho clic en algunos anuncios solo para recibir un millón de llamadas telefónicas confusas y estimaciones de seguro médico. Lo más probable es que aún no sepa cómo encontrar la cobertura más extensa a un precio asequible. Si actualmente tiene cobertura y se encuentra en esta situación, es hora de hablar con los expertos para ver si la cobertura que tiene es adecuada. Si no tiene cobertura de seguro de salud, le informaremos qué hay disponible para usted. Llame a la Agencia de Seguros HealthMarkets Randy Roberts.

Los Cambios en el Seguro de Salud Pueden Hacer Que su Cabeza Gire: lo Hacemos Simple

La Agencia de Seguros de Salud Preferidos de Lehigh Valley: cuando vemos la cobertura de su salud, obtiene la información y las explicaciones que necesita para simplificar todo. Somos el proveedor líder de planes de seguro de salud asequibles y personalizables centrados en usted en Allentown y en todo el valle de Lehigh. Randy Roberts Insurance Agency lo ayudará a encontrar la mejor cobertura para usted y su familia al mejor precio posible.

Hay mucha información errónea y comprensión errónea sobre el seguro de salud en estos días, y solo está empeorando con los cambios interminables en las leyes de atención médica, pandemias como Coronavirus, fusiones confusas de atención médica, publicidad engañosa, nueva tecnología, urgente / centros de atención inmediata y adquisiciones de redes hospitalarias. Tu cabeza probablemente esté girando tratando de entender cómo te afecta todo esto.

Probablemente haya escuchado al menos algunos de estos Seguro médico nombres o términos, si no todos: LVPHO, capital blue cross medicare, capital blue inscripción abierta, capital blue cross ppo plan 361 y muchos más. Incluso si los buscas en Google, hay tantos que aún pueden ser muy confusos.

Recuerde, ahí es donde entramos nosotros. Randy Roberts Insurance Agency lo ayuda a navegar la confusión, responde a todas sus preguntas y lo ayuda a elegir con confianza el mejor seguro médico disponible al mejor precio.

Expertos en Seguros de Salud Locales de Allentown, Lehigh Valley

HealthMarkets está representado por Randy Roberts y su equipo en el valle de Lehigh, incluidas áreas como Allentown, Bethlehem, Easton, Coopersburg, Emmaus, Northampton y Wind Gap. Nuestra huella llega a las áreas de Poconos y Filadelfia también. Como propietario de un negocio, Randy Roberts comprende la necesidad de encontrar el mejor seguro médico producto disponible al mejor precio. Nos enfocamos en hacer muchas preguntas para asegurar que estamos brindando la mejor cobertura para su situación de vida y su familia. Todos los planes se adaptan a las necesidades de cada individuo y / o familia.

Planes Allentown PA de Bajo Costo con los Que Puede Vivir

Cuando se trata de salud, el gorila de 800 libras en la mente de muchas personas es el costo cada vez mayor del seguro de salud y la atención médica. En los últimos años, una serie de cambios han permitido que estados como Pennsylvania y otros soliciten exenciones de los mandatos del seguro ACA / Obamamcare. Además de las exenciones disponibles recientemente, los mandatos de cobertura ya no se consideran legales por decisiones judiciales recientes. Las exenciones que ahora están disponibles solo estaban disponibles hace muchos años antes de Obamacare. Estos fueron eliminados en el ACA. La importancia de estas renovadas exenciones y decisiones judiciales es permitir que los proveedores de seguros ofrezcan una vez más opciones más asequibles al comprador del seguro.

Debe ir sin Seguro de Salud en Allentown

Todavía hay muchas personas, pero tal vez cada vez menos que no aprecian que se les obligue a obtener un seguro de salud. Estas personas piensan o insisten en que no necesitan la cobertura en un momento establecido por la Ley del Cuidado de Salud a Bajo Precio. A menudo sienten que los planes son demasiado caros, innecesarios o invasivos debido a su estado de salud actual. Muchos expertos y ciudadanos regulares predijeron y dieron la voz de alarma, de que incluso con los subsidios de la ACA, los costos serían demasiado altos para Allentown y otros residentes de los EE. UU. Incluso una buena cantidad de personas a las que se les otorgaron subsidios consideraron que los planes de salud de la era Obama eran inasequibles. Poeple se queja de que simplemente no tienen los altos ingresos necesarios para comprar los planes de salud que se ofrecen. Sin embargo, con nuevas opciones de seguro y flexibilidad, a menudo podemos personalizar un plan que funcione para su familia y presupuesto.

La Agencia de Seguros Randy Roberts maneja los siguientes tipos de seguro para los residentes de Allentown:

  • Seguro médico /Seguro de salud individual y familiar
  • Planes de Medicare
  • Planes Medicare Advantage
  • Seguro Suplementario de Medicare
  • Planes de medicamentos recetados de Medicare
  • Seguro de salud para pequeñas empresas
  • Seguro de vida, seguro dental
  • Seguro de la vista
  • Seguro de enfermedad crítica
  • Los seguros de invalidez
  • Seguro de accidentes
  • Seguro de atención a largo plazo
  • Productos de bienestar

Elegir el Plan de Seguro Médico Adecuado de Allentown

Hay una gran variedad de planes de salud y otras opciones para elegir. Le ayudamos a comprender el caos. Hacemos las llamadas, le mostramos cómo comparar los seguro médico planes y los costos, y le encontramos el plan de seguro que mejor se adapta.

Por ejemplo, a muchos les preocupa tener acceso a St Luke’s o la Red de Salud de Lehigh Valley. Algunos están preocupados por los costos fuera de la red de Capital Blue Cross y tendrán acceso. Hay muchas filiales de Capital Bluecross, y la gente está muy confundida acerca de lo que está cubierto y cuándo está cubierto. Tienen preocupaciones muy reales y preguntan: “¿Se pagarán nuestras facturas y reclamos?”

Tenemos muchos años de experiencia y acceso continuo a planes de seguro de salud de proveedores como Capital Blue Cross, Unitedhealthcare y Highmark Direct, por nombrar algunos. Además, las personas a menudo nos preguntan quiénes son los proveedores de PA de Blue Cross Blue Shield. Algunos incluso nos solicitan el inicio de sesión del proveedor populytics. Son un proveedor de análisis de atención médica que proporciona información y posibles acciones a organizaciones e individuos por igual.

Para resumir, a menudo tenemos personas que acuden a nosotros en lugar de los seguro médico proveedores directos y sus tiendas de seguros de salud directos. La gente nos dice que vimos que su calificación y reputación de experiencia de cliente de Allentown en Google o en línea fue claramente mejor.

Cotizaciones Gratis – Las consultas para el ajuste correcto son gratuitas

Nuestros servicios son completamente gratuitos para usted en Allentown. Tenemos agentes locales expertos en seguros de salud para ayudarlo. Así es, nuestra ayuda y experiencia no le cuesta nada. Trabajamos con compañías de seguros reconocidas a nivel nacional para ofrecer seguros de calidad y asequibles tanto dentro como fuera de los intercambios de ACA.

Nos hemos reunido con muchas personas que han visitado Highmark Store Allentown en busca de un seguro de salud o las ofertas de Highmark Medicaid Pennsylvania. La gente ha oído hablar de la Garantía Highmark Right Fit, y les gusta la idea. En la Agencia de Seguros Randy Roberts, nos aseguramos de que siempre tenga el ajuste adecuado, sin importar quién sea su proveedor. Le ayudamos a elegir el plan correcto del proveedor adecuado, para que siempre tenga la mejor cobertura y la mejor asequibilidad.

Términos de Seguro de Salud de Allentown y Cómo le Afectan

En estos días hay una gran cantidad de términos de seguro de salud con los que muchos no están familiarizados en general, y mucho menos cómo afectan su cobertura y sus primas. Nuestros agentes se toman el tiempo para explicar cómo le afecta cada uno de estos términos específicos y le asesora sobre cómo elegir las mejores opciones personalizadas para crear el plan más optimizado disponible para usted y su familia.

Deducible
El deducible es importante, pero no siempre es la parte más importante del rompecabezas del seguro médico. Esta es la cantidad que debe pagar antes de que el seguro se haga cargo. Cuanto menor sea el deducible, mayor será la prima mensual y cuanto mayor sea el deducible, menor será la prima. Si tiene un accidente grave, enfermedad grave, hospitalización, el deducible generalmente se alcanza rápidamente.

Coseguro
Este es el porcentaje de los costos médicos que paga después de alcanzar el deducible. Por ejemplo, el seguro médico puede cubrir el 80% de los costos y usted tendría que pagar el 20%. Los gastos de bolsillo generalmente tienen un tope o monto máximo después del cual el seguro cubre el 100% de sus costos médicos. Las compañías de seguros negocian precios con proveedores médicos por tarifas más bajas de las que pagaría de otra manera.

Copagos
Los copagos son los pagos que paga cada vez que visita a su médico o proveedor. A menudo, el copago es menor si permanece dentro de una determinada red o área geográfica. Los copagos pueden ser más altos si necesita ver a un especialista. En comparación con el costo total del seguro de salud, los copagos no son una gran preocupación.

Plan de Recetas
Muchos planes de seguro han eliminado la cobertura de medicamentos recetados o solo la ofrecen como un seguro adicional a un costo adicional. Si usa regularmente medicamentos recetados, especialmente los menos comunes, entonces esta cobertura puede ser importante para usted. El seguro de medicamentos con receta diferencia entre los medicamentos genéricos y los de marca, a menudo con límites y copagos más altos para las marcas de nombre.

Costo Máximo de Bolsillo
Esta es una pregunta importante y a menudo preocupante para muchas personas. Le ayudamos a comprender cuál sería el costo total para usted si utilizara el seguro médico hasta sus límites. Queremos asegurarnos de que se sienta cómodo y que conozca lo que su plan realmente cubre y cuánto de los costos puede tener que soportar.

Pagos Mensuales
Trabajamos para hacer que las primas mensuales sean asequibles y, a menudo, podemos cambiar sustancialmente el monto del pago mensual al alterar otras partes de la ecuación del Seguro de Salud.

Planes Suplementarios
Los planes suplementarios se pueden usar para llenar vacíos en la cobertura del seguro. Por ejemplo, los planes dentales y de la vista son complementarios. La atención crítica y la hospitalización son otras opciones para cubrir los costos de una enfermedad grave o una visita al hospital que no están cubiertos por otro seguro. La protección de ingresos también se puede incluir en un plan en caso de que una enfermedad lo haya dejado incapaz de trabajar durante un período prolongado de tiempo.

Cuando comprenda cómo todas estas cosas funcionan juntas, puede tomar fácilmente la mejor decisión y elegir el mejor plan de seguro de salud. En la Agencia de Seguros HealthMarkets Randy Roberts, hacemos preguntas para comprender mejor cómo podemos ayudar a eliminar las brechas en la cobertura que necesita y protegerlo con la mejor opción de seguro de salud posible para usted y su familia. Nos tomamos el tiempo para asegurarnos de que no haya sorpresas inesperadas que lo sorprendan por sorpresa en su cobertura de salud.

Llame hoy al (347) 392-7412 y permítanos encontrar el seguro de salud adecuado para usted en Allentown, PA.

  • Proveedores de Allentown disponibles
  • Highmark (ACA y no ACA)
  • Capital Blue Cross (ACA y no ACA)
  • Geisinger (ACA y no ACA)
  • Aetna
  • United Healthcare
  • Planes basados ​​en la fe

Seguro de Salud Cerca de Mi
Recuerde que somos una de las compañías o agencias de seguros de salud mejor calificadas aquí en Allentown, PA. También somos una empresa que cree en la fe, por lo que estamos familiarizados con los planes y seguros médicos basados en la fe.

Planes de Seguro de Salud Individual

Puedo ayudarlo a encontrar el plan de seguro de salud que satisfaga sus necesidades, ya sea que tenga menos de 30 años y esté buscando un plan de bajo costo y catastrófico, un plan platino de alta cobertura con bajos gastos de bolsillo, o algo intermedio, hágame saber su precio deseado y sus necesidades de cobertura, y lo ayudaré a encontrar el ajuste perfecto más cercano posible.

Allentown PA Family Health Insurance Plans

Planes de Seguro de Salud Familiar de Allentown, PA

Tu familia es la parte más importante de tu vida. Permíteme ayudarte a encontrar un seguro de salud que cubra a todos, te tranquilice y no rompa el banco. Puedo ayudarlo a elegir una cobertura que se adapte específicamente a las necesidades de su familia.

King of Prussia PA Health Insurance

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Only the Straight Health Insurance Facts

Your One Stop Shop for Health Insurance in King of Prussia, PA

Creating a budget is a function that every family across the country has to do no matter of their economic status. Unfortunately, the question of can I afford my health insurance is a very real conversation that some families are having. Some see this as a way to cut cost but in reality it’s not and can lead to an even more expensive bill if trouble should strike. Studies have shown that half of bankruptcies start with some type of medical emergency that cause people to fall behind on payments which can last for years. The inability to work only adds pressure to your family dynamic as the bills start to grow. The human body is made to recover and correct itself to proper working order; our financial situations do not have the same capabilities. Don’t let a medical emergency become a financial emergency!

• One in eight drivers is uninsured
• Half of all fatal accidents are from falls in the home
• Most car accidents happen within a mile of home
• The average emergency room visit will cost $1,233 if you have insurance
• A typical 5 day hospital stay costs around $10,000

Affordable Cost Health Insurance Plans in King of Prussia Reduce Risk

The risks involved with gambling on not having individual health Insurance are too high. Affordable health insurance plans not only protect you they protect your loved ones and families financial future. Randy Roberts and his team at HealthMarkets know that the people in King of Prussia are concerned about the rising cost of individual health insurance plans and that want you to know that they are here to help. They want to give you the power to create your own budget that allows you and your family to live with the peace of mind that a healthcare benefit plan can provide.

Leading the King of Prussia Healthcare Charge with More Options and New Technology

The Team at HealthMarkets has the ability to offer solutions to the King of Prussia community and will go above and beyond to create a custom health benefit plan that is right for you. Together you will go through the healthcare market place and see the different options provided to you under the Affordable Care Act. They want you to feel free to ask any questions that you may have involving coverages, price points, or available doctors. Using the Blue cross Blue Shield cost estimator they can compare health plans from the long list of health insurance companies and see which health insurance cost are the best fit for you. No matter what you are searching for be it the best short term health insurance, affordable health insurance for a family, or non Medicare health insurance HealthMarkets is your one stop shop for all the answers your looking for.

Where to Find the Best Health Care in King of Prussia

The citizens of King of Prussia now have a reliable shoulder to lean on with the expertise of Randy Roberts and his team. Everyone wants their plan to be as close to free health insurance as possible and HealthMarkets is here to help provide you with the best options available. They understand that no one wants to sort through endless pages of health insurance companies details, while not having a true understanding of the information. One of the talented individual health insurance agents will guide you along as you shop for health insurance and try and make the process as painless as possible.

100% FREE Health Insurance Consultation
HealthMarkets is proud to provide the King of Prussia community with a 100% free consultation. We want to do our part in helping those who are lost and confused find their way to affordable healthcare. Working with several national insurance companies allows us to offer the best deals to those who need it most.

Here are some of the Providers and Plans we can offer you:

• Cigna Healthcare providers
• United Healthcare Oxford
• United Healthcare Medicare Medicaid
• United Healthcare Small Business
• Aetna Health Insurance Plans
• State Farm Health insurance cost
• State Farm Cancer Insurance
• United Healthcare Essential Plan
• Highmark (ACA and non ACA)
• Capital Blue Cross (ACA and non ACA)
• Geisinger (ACA and non ACA)
• Aetna
• United Healthcare
• Faith Based plans

• Individual & Family Health Insurance
• Medicare Plans
• Medicare Advantage Plans
• Medicare Supplemental Insurance
• Medicare Prescription Drug Plans
• Small Business Health Insurance
• Life Insurance
• Dental Insurance
• Vision Insurance
• Critical Illness Insurance
• Disability Insurance
• Accident Insurance

Health Insurance Definitions You Need to Be Familiar with in King of Prussia, PA

Deductible
This is the amount the insured has to pay before the insurance starts to kick in and take up the remaining costs. A policy with a higher deductible would have lower monthly premium

Coinsurance
Once the insurance begins to pay, many don’t understand they still share a percentage of costs with the insurance company. In most cases the insurer pays 80% of the costs and the insured bears the remaining 20%. However, when you reach a maximum “out of pocket” limit, the insurance covers 100% of medical costs.

Copayments
For each visit to your King of Prussia physician or healthcare provider the insured pays a fee which can vary depending on the doctor seen and the facility attended. If one stays within a specified area or network the fee is less. Consulting with a specialist will usually cost more.

Prescription Plan
Many plans only offer prescription coverage in King of Prussia and other areas as additional insurance for an additional premium. If the insured must take several medications then this coverage is something they should have. Insurers often pay 100% or only have a small copayment if a generic drug is chosen. Most costly name-brand drugs may have higher copayments.

Supplemental Plans
There are several kinds of supplemental plans for specific King of Prussia healthcare issues like dental and vision. Each of these has a wide range of options for the amount of coverage the insured may want or need. Other supplemental plans are available for those who need extended nursing care or rehabilitation services. An Income Protection plan can replace lost income if you cannot work for an extended period of time.

What is Obamacare?
An informal term for a federal law intended to improve access to health insurance for US citizens. The official name of the law is the Affordable Care Act or in full the Patient Protection and Affordable Care Act.

Affordable Care Act Summary
The comprehensive health care reform law enacted in March 2010.The law provides consumers with subsidies that lower costs for households with incomes between 100% and 400% of the federal poverty level.

Does State Farm Sell Dental Insurance?
Through a marketing alliance with Blue Cross Blue Shield, those agents may be able to indirectly help you with individual dental insurance coverage. However, we strongly believe having your own individual health insurance agent can allow you access to the most choices and most affordable options.

Types of Blue Cross Blue Shield Insurance
Blue Cross Blue Shield is committed to giving you the best experience when you shop for health insurance. At the Randy Roberts agency, we provide you with a cost estimator to create the best customized plan that works for you and your family whether that is Blue Cross or something else. Our main objective is always to create affordable health insurance for families.

• Individual
• Group
• Family

What type of Health Insurance is Medicare?
Medicare is the federal government program that provides health care coverage (health insurance) if you are 65+, under 65 and receiving Social Security Disability Insurance (SSDI) for a certain amount of time, or under 65 and with End-Stage Renal Disease (ESRD).

What is Not Covered by Medicare?
Some of the items and services that Medicare doesn’t cover in King of Prussia and elsewhere include: Long-term care (also called Custodial care Glossary ) Most dental care. Eye exams related to prescribing glasses.

Do I need Health Insurance if I have Medicare?
If you have Medicare Part A (Hospital Insurance), you’re considered covered under the health care law and don’t need a Marketplace plan.

***Bonus TIP***
If you have only Medicare Part B, you aren’t considered to have qualifying health coverage. This means you would have to pay the fee for the 2018 plan year and earlier.

Call us at HealthMarkets/Randy Roberts Insurance today at (267) 221-1346 and let us find the right insurance in King of Prussia for you.

Phillipsburg NJ Health Insurance

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You Have Health Insurance Options in Phillipsburg, NJ!

Quality Affordable Health Insurance in Phillipsburg, NJ is Attainable.

How am I going to be able to afford my health insurance plan? What if something happens to my family and I can’t pay? These are real questions that Phillipsburg people are asking in your community and across the country. The health insurance marketplace doesn’t make it simple to find affordable health insurance. Randy Roberts and his team for over a decade now have provided answers about individual health insurance plans to people just like you. They will show you the best options and what health insurance companies are offering for your situation. You can set up a free consultation with them to shop for health insurance and be sure that you are making the right choices.

Affordable Cost Health Insurance Plans in Phillipsburg

Always Compare Health Plans Before you Buy
No matter if you’re looking for individual health insurance, a packaged medical insurance, or affordable health insurance for your family the team at Health Markets can guide you in the right direction. Everyone’s first concern is always health insurance cost. It’s becoming more and more common that companies are not providing free health insurance or even compensating the same amount on healthcare benefit plans as they once did. No matter if you are in between jobs or are just looking to see if there are better options available Randy Roberts can put together a list of health insurance companies that will provide you with the right solutions in Phillipsburg.

Where to Find the Best Urgent Care in Phillipsburg

We are now in the year 2020. Technology is pushing our world forward and our health care system is right on its heels. No longer do you have to sit in an emergency room for hours because you don’t have another option. The emergence of Urgent Care, Immediate care, and Express care facilities have given Phillipsburg area residents options to where they can receive emergence care efficiently and locally. Many of these facilities are able to do simple procedures that save you the time, money, and the hassle of going to a big hospital. They accept state medical insurance and non Medicare health insurance. Residents view these Urgent care facilities as affordable, convenient, and in some cases lifesaving.On top of all these great features these new facilities are covered by a majority of the healthcare benefit plans offered. This has a multi-tier effect on the community. It lessens the pressure on emergency rooms to take on such a heavy burden as well as giving an outlet to less threatening health concerns.

The Randy Roberts Insurance Agency handles all the following types of insurance in Phillipsburg:
• Individual & Family Health Insurance
• Medicare Plans
• Medicare Advantage Plans
• Medicare Supplemental Insurance
• Medicare Prescription Drug Plans
• Small Business Health Insurance
• Life Insurance
• Dental Insurance
• Vision Insurance
• Critical Illness Insurance
• Disability Insurance
• Accident Insurance
• Long-Term Care Insurance
• Wellness Products

Available Phillipsburg Providers
• Highmark (ACA and non ACA)
• Capital Blue Cross (ACA and non ACA)
• Geisinger (ACA and non ACA)
• Aetna
• United Healthcare
• Faith Based plans

Health Insurance Definitions You Need to Be Familiar with in Phillipsburg

Deductible
This is the amount the insured has to pay before the insurance starts to kick in and take up the remaining costs. A policy with a higher deductible would have lower monthly premium

Coinsurance
Once the insurance begins to pay, many don’t understand they still share a percentage of costs with the insurance company. In most cases the insurer pays 80% of the costs and the insured bears the remaining 20%. However, when you reach a maximum “out of pocket” limit, the insurance covers 100% of medical costs.

Copayments
For each visit to your Phillipsburg physician or healthcare provider the insured pays a fee which can vary depending on the doctor seen and the facility attended. If one stays within a specified area or network the fee is less. Consulting with a specialist will usually cost more.

Prescription Plan
Many plans only offer prescription coverage in Phillipsburg and other areas as additional insurance for an additional premium. If the insured must take several medications then this coverage is something they should have. Insurers often pay 100% or only have a small copayment if a generic drug is chosen. Most costly name-brand drugs may have higher copayments.

Supplemental Plans
There are several kinds of supplemental plans for specific Phillipsburg healthcare issues like dental and vision. Each of these has a wide range of options for the amount of coverage the insured may want or need. Other supplemental plans are available for those who need extended nursing care or rehabilitation services. An Income Protection plan can replace lost income if you cannot work for an extended period of time.

What is Obamacare?
An informal term for a federal law intended to improve access to health insurance for US citizens. The official name of the law is the Affordable Care Act or in full the Patient Protection and Affordable Care Act.

Affordable Care Act Summary
The comprehensive health care reform law enacted in March 2010.The law provides consumers with subsidies that lower costs for households with incomes between 100% and 400% of the federal poverty level.
Does state farm sell dental insurance?
Through a marketing alliance with Blue Cross Blue Shield, your State Farm® agent may be able to help you with individual medical insurance coverage. Having your own individual health insurance agent can allow you access to the most affordable options.

Types of blue cross blue shield insurance
Blue Cross Blue Shield is committed to giving you the best experience while you shop for health insurance. They provide you with a cost estimator to create a customized plan that works for you and your family. There main objective is to create affordable health insurance for families.

• Individual
• Group
• Family

What type of health insurance is Medicare?
Medicare is the federal government program that provides health care coverage (health insurance) if you are 65+, under 65 and receiving Social Security Disability Insurance (SSDI) for a certain amount of time, or under 65 and with End-Stage Renal Disease (ESRD).

What is not covered by Medicare?
Some of the items and services that Medicare doesn’t cover include: Long-term care (also called Custodial care Glossary ) Most dental care. Eye exams related to prescribing glasses.

Do I need health insurance if I have Medicare?

If you have Medicare Part A (Hospital Insurance), you’re considered covered under the health care law and don’t need a Marketplace plan.

***Bonus TIP***
If you have only Medicare Part B, you aren’t considered to have qualifying health coverage. This means you may have to pay the fee for the 2018 plan year and earlier.

The Business of Healthcare

The Right insurance plan in Phillipsburg, NJ for you!
Randy Roberts and his team will help break down the details for you to truly answer the question. What is my health insurance going to cost? Whether you will it will be in frequent use or set to the lowest limits. Using a cost estimator the team will be able to determine your monthly payment and see by changing different parts of your plan how substantial your savings can be. The team at HealthMarkets will let you rest easy knowing that you and your family are covered.

Make the Easy Choice for Great Health Care in Phillipsburg NJ

The team at Randy Roberts Insurance is excited to bring you in one of our individual health insurance agents help you determine the best plan for you. The main goal at the Randy Roberts Insurance Agency is to eliminate the gaps in your coverage while providing the best affordable options available. Protecting you and your family is the most important thing is this world our job is to help you do that on a budget. They are proud to bring the people of Phillipsburg, NJ the options and coverages that they deserve.

Call us at HealthMarkets/Randy Roberts Insurance today at (610) 419-0634 and let us find the right insurance in Phillipsburg New Jersey for you.

Lancaster PA Health Insurance

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2000 Lancaster

You Need to Know the Facts!

Quality Affordable Health Insurance in Lancaster, PA is Attainable.

Throughout the Lehigh Valley, from Lancaster TO Northampton to Coopersburg, and down towards Philadelphia, there is an All Star team that has the answers that you are looking for regarding affordable health insurance. For over a decade Randy Roberts and his staff at HealthMarkets have been servicing the needs of customers tailoring individual health insurance plans for them and their families. It’s no secret that times are changing and with the influx of technology into the healthcare space you need a partner to help guide you through the ever changing landscape. They are fully equipped to help you with any questions or concerns you may have about the health insurance marketplace and show you the best health insurance companies that will suit your needs. The team will meet with you for a free consultation and will walk you through the process and help you shop for health insurance to make sure all your basis are covered.

What’s Coming Next in the World of Health Insurance? How is it Affecting Lancaster and the rest of the country?

Affordable Cost Health Insurance Plans in Lancaster

The cost of health care coverage in Lancaster IN recent years has been a hot topic across the country and in our own back yard. In recent years changes allowing states, including Pennsylvania and others, to apply for waivers from the Affordable Care Act (ACA) have become popular allowing access to affordable health insurance for families. Upon the roll out of the ACA these waivers were accessible but retracted after its issue to the public. With their redaction the List of Health Insurance Companies shrunk and being able to find and compare health plans that were cost effective became more difficult. There are individuals that do not have interest in paying the high rates currently set forward by the Obamacare mandate. These people are the forgotten group who the Affordable Care Act does not provide relief for. Many do not have the level of income to absorb these health insurance costs. Now with the help of the waivers there are new low cost plans that can be fitted to any situation.

Leading the Lancaster Healthcare Charge with New Technology

The landscape of healthcare is ever changing with the implementation of new and developing technologies. Doctors have the ability to diagnose and treat the problems that are plaguing the Lancaster area with new and exciting techniques that allow for a smoother process and a shorter down time. With the emergence of electronic medical records (EMR’s) becoming the norm it is granting a better level of care to all at a lower cost. New technologies such as robotic assisted arms, lasers, and laparoscopic surgery have dramatically lowered the risk involved in many procedures. The introduction of smart phones has also altered the doctor patient relationship. Having the ability to ask questions and receive timely medical advice all at the convenience of not leaving your home is truly a game changing break through.

Where to Find the Best Urgent Care in Lancaster

Gone are the days of sitting in an emergency room for hours simply because you didn’t have anywhere else to go. The emergence of Urgent Care, Immediate care, and Express care facilities have given Lancaster area residents options to where they can receive emergence care efficiently and locally. Many simple procedures are now readily available and different locations. Previously similar treatments were only available at a hospital. Residents view these Urgent care facilities as affordable, convenient, and in some cases lifesaving. On top of all these great features these new facilities are covered by a majority of the healthcare benefit plans offered. This has a two prong affect. It lessens the pressure on emergency rooms to take on such a heavy burden as well as giving an outlet to less threatening health concerns.

Gap Insurance
Life is unpredictable and takes turns when you least expect it. This isn’t exclusively happening in the Lancaster area. When people find themselves between jobs without free health insurance it’s hard to know where to turn to find the best short term health insurance for the price they want. Young adults graduating from college are searching for to start their career but luckily they are able to stay on their parents plan until they are 26 years old. Both of these situations are times where individual health insurance can fall by the way side. Unfortunately the ACA did away with Gap Insurance which helped people through theses short periods of instability. Although, there is good news! These policies were reinstated and are now available to the public. Short term health insurance for self-employed and unemployed people are here to help families get through the tough times. They are available for up to one year and can be renewed to up to three years.

The Business of Healthcare

Shifts in the operations of health insurance usa are leading to innovation and more efficient healthcare benefit plans. Lancaster and other regional healthcare providers and insurance companies are now consolidating in order to aid in cost effective matters of distributing packaged medical insurance; this can lead to accurate cost estimator(s). The efforts of consolidation canhelp to reduce unnecessary duplication of a health benefit plan, and improve the effective management of patient health care. One recent example of a big merger was Aetna merging with CVS. Increasingly, companies are seeking to merge services with suitable business partners in order to elicit more effective client care at lower costs.

Make the Easy Choice for Great Health Care in Lancaster PA

Randy Roberts and his team will help you make the most informed decision in regards to any short term health insurance quotes that may be appropriate for your current situation. These services are offered at no cost to you and are always available. Working with nationally recognized insurance providers allows Randy and his team to provide you with the most comprehensive coverages available. They are able to gain access to plans inside and outside of the ACA exchange and still stay up to date on all offerings. Bringing the best in affordable health care to the people of Lancaster and the surrounding areas is what Randy’s Team aims to accomplish every day.

The Randy Roberts Insurance Agency handles all the followingtypes of insurance in Lancaster:
• Individual & Family Health Insurance
• Medicare Plans
• Medicare Advantage Plans
• Medicare Supplemental Insurance
• Medicare Prescription Drug Plans
• Small Business Health Insurance
• Life Insurance
• Dental Insurance
• Vision Insurance
• Critical Illness Insurance
• Disability Insurance
• Accident Insurance
• Long-Term Care Insurance
• Wellness Products

Available Lancaster Providers
• Highmark (ACA and non ACA)
• Capital Blue Cross (ACA and non ACA)
• Geisinger (ACA and non ACA)
• Aetna
• United Healthcare
• Faith Based plans

Health Insurance Definitions You Need to Be Familiar with in Lancaster

Deductible
This is the amount the insured has to pay before the insurance starts to kick in and take up the remaining costs. A policy with a higher deductible would have lower monthly premium

Coinsurance
Once the insurance begins to pay, many don’t understand they still share a percentage of costs with the insurance company. In most cases the insurer pays 80% of the costs and the insured bears the remaining 20%. However, when you reach a maximum “out of pocket” limit, the insurance covers 100% of medical costs.

Copayments
For each visit to your Lancaster physician or healthcare provider the insured pays a fee which can vary depending on the doctor seen and the facility attended. If one stays within a specified area or network the fee is less. Consulting with a specialist will usually cost more.

Prescription Plan
Many plans only offer prescription coverage in Lancaster and other areas as additional insurance for an additional premium. If the insured must take several medications then this coverage is something they should have. Insurers often pay 100% or only have a small copayment if a generic drug is chosen. Most costly name-brand drugs may have higher copayments.

Supplemental Plans
There are several kinds of supplemental plans for specific Lancaster healthcare issues like dental and vision. Each of these has a wide range of options for the amount of coverage the insured may want or need. Other supplemental plans are available for those who need extended nursing care or rehabilitation services. An Income Protection plan can replace lost income if you cannot work for an extended period of time.

What is Obamacare?
An informal term for a federal law intended to improve access to health insurance for US citizens. The official name of the law is the Affordable Care Act or in full the Patient Protection and Affordable Care Act.

Affordable Care Act Summary
The comprehensive health care reform law enacted in March 2010.The law provides consumers with subsidies that lower costs for households with incomes between 100% and 400% of the federal poverty level.

Question – Does state farm sell dental insurance?
Through a marketing alliance with Blue Cross Blue Shield, your State Farm® agent may be able to help you with individual medical insurance coverage. Having your own individual health insurance agent can allow you access to the most affordable options.

Questions on Types of blue cross blue shield insurance
Blue Cross Blue Shield is committed to giving you the best experience while you shop for health insurance. Be aware that we provide you with more accurate quotes than their cost estimator to create a customized plan that works for you and your family. Our main objective is to create affordable health insurance for families in Lancaster.

• Individual
• Group
• Family

What type of health insurance is Medicare?
Medicare is the federal government program that provides health care coverage (health insurance) if you are 65+, under 65 and receiving Social Security Disability Insurance (SSDI) for a certain amount of time, or under 65 and with End-Stage Renal Disease (ESRD).

What is not covered by Medicare?
Some of the items and services that Medicare doesn’t cover include: Long-term care (also called Custodial care Glossary). Most dental care. Eye exams related to prescribing glasses.

Do I need health insurance in Lancaster if I have Medicare?
If you have Medicare Part A (Hospital Insurance), you’re considered covered under the health care law and don’t need a Marketplace plan.
***Be Aware***
If you have only Medicare Part B, you aren’t considered to have qualifying health coverage. This means you may have to pay the fee for the 2018 plan year and earlier.

The Right insurance plan in Lancaster, PA for you!
Randy Roberts and his team will help break down the details for you to truly answer the question. What is my health insurance going to cost? Whether you will it will be in frequent use or set to the lowest limits. Using a cost estimator the team will be able to determine your monthly payment and see by changing different parts of your plan how substantial your savings can be. The team at HealthMarkets will let you rest easy knowing that you and your family are covered.

The team at HealthMarkets is excited to bring you in one of our individual health insurance agents help you determine the best plan for you. The main goal at the Randy Roberts Insurance Agency is to eliminate the gaps in your coverage while providing the best affordable options available. Protecting you and your family is the most important thing is this world our job is to help you do that on a budget. They are proud to bring the people of Lancaster, Pennsylvania the options and coverages that they deserve.

Call us at HealthMarkets/Randy Roberts Insurance today at (267) 221-1346 and let us find the right insurance in Lancaster for you.

The Benefits of Drinking Coffee

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The Benefits of Drinking Coffee Image 1

I know that title grabbed your attention, you coffee addicts!

That’s not an insult as I am an avid coffee drinker myself. 

To put it simply, coffee is awesome and I’d bet a fare wager that many people on the planet agree with me.

Nonetheless, today’s post will be for the non-believers and my fellow addicts that want some scientific evidence to compliment their love for coffee.

So what are the benefits of coffee?


The Benefits of Drinking Coffee Image 2

1) Coffee can actually increase your energy levels

Many coffees contain caffeine, which is a stimulant. 

Basically it’s what wakes you up. How caffeine works is it goes through the blood then into your brain. 

Once in your brain, it will increase the production of neurotransmitters (i.e. norepinephrine & dopamine). 

These neurotransmitters will begin to fire on all cylinders causing a huge burst of energy within you. 

This is the abridged version of how that works. 

2) Coffees reduces your risk for common diseases

Even if you don’t drink this beverage all day like a maniac, moderate doses can still provide benefit. 

Studies have found that people who drink a moderate amount of coffee per day tend to show an 11% lower risk of heart failure, 40-50% decreased risk of liver cancer, and a 28% lower risk of Type 2 Diabetes. Thank you coffee!

3) Coffee possesses lots of antioxidants

I don’t want to bore you with chemistry jargon, so if you want the full fledge definition of oxidants, the dictionary is still your friend.

In my own words, oxidants (a.k.a. free radicals) are broken down byproducts that can be in the body or outside of the body, which at high levels can break down cells over time.

As we get older, our bodies can’t fight off these oxidants the way they used to resulting in more buildup and greater damage to our cells. This leads to the development of diseases such as heart disease, cancers, and diabetes. 

Antioxidants are molecules that fight off these oxidants either by decreasing the amount that’s built up in the body or lessening their effectiveness. 

This is why you see so many products with labels boasting about antioxidants. 

the benefits of coffee image 4

Yeah, that about wraps things up. Coffee is great for these reasons and many more. Not that you ever needed convincing but at least now you know why. Short and sweet. If you have more comments to add, don’t hesitate to drop your thoughts below. 

Sources:

Gunnars, K. (September 2018). 13 Health Benefits of Coffee, Based on Science. Healthline. Retrieved from https://www.healthline.com /nutrition/top-13-evidence-based-health-benefits-of-coffee

Nordqvist, J. (July 2019). Health benefits and risks of drinking coffee. Medical News Today. Retrieved from https://www.medicalnewstoday .com/articles/270202.php

Villines, Z. (July 2017). How do free radicals affect the body? Medical News Today. Retrieved from https://www.medicalnewstoday.com/articles /318652.php

Coatesville PA Health Insurance

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Know the Real Facts About Quality, Affordable Health Insurance in Coatesville, PA

Health insurance and healthcare like technology are changing quickly seemingly all the time, so for the latest up to date information and good advice near Coatesville, PA call the HealthMarkets Randy Roberts Insurance Agency. For over 10 years we’ve been serving customers in the Lehigh Valley at large, Allentown, Bethlehem, Easton, Coopersburg, Northampton, Bath, Danielsville and nearby towns. The HealthMarkets Randy Roberts team knows all of the ins and outs of health insurance policies and changes. We know what to look for in affordable coverage, and we have access to the best options so we can get it for you. Our free consultations and services will help you to obtain the best health insurance for you and your family.

New Trends in Health Insurance Affecting Coatesville & US

Low Cost Coatesville Plans
Like it or not, the biggest thing on most people’s minds is the ever rising cost of health insurance and care. In recent months and years, changes have allowed states like Pennsylvania and others to apply for waivers from the Obamamcare insurance mandates. These were available previously to the ACA but were done away with. These waivers allow insurers to now offer more affordable options in the insurance arena. There are certainly people who don’t want to purchase health insurance. These individuals may feel they don’t need the coverage required by the ACA or private plans because they are too expensive. For mmost and some predicted and warned, even the Affordable Care Act subsidies don’t lower costs enough for Coatesville and other residents who found the Obama era plans unaffordable. Many people just don’t have the level of income needed to purchase health plans offered by most. However, these new low cost plans we can custom tailor and offer you are also eligible for ACA waivers.

New Technology Leading the Changes
Recently released and brand new not yet released technologies are leading the way and reshaping the healthcare landscape. Everyday we see how doctors diagnose and treat local Coatesville medical problems in new ways. More and more digital technology makes real the promise of better access to medical information when it’s needed most and lowers overall costs to patients everywhere. Advances such as robot-assisted, laser, and laparoscopic surgery have greatly reduced the risks involved in many procedures and have served to greatly speed patient’s recovery times. New technological innovations are also changing the doctor old patient relationship. Patients can now even connect with their doctors through apps on their Smart Phones. This can be done without an office visit “in the flesh”. Many routine health issues can be handled right from the patient’s home in Coatesville or anywhere else.

Coatesville Urgent & Immediate Care
No Coatesville Lehigh Valley emergency room visit is required in many cases…Urgent Care, Immediate Care, and Express Care services are growing dramatically in scope and are now commonplace in Coatesville and throughout the Lehigh Valley. Many more simple health care concerns that could only be addressed in hospitals can now be routinely handled by these newer types of facilities. This in the minds of many patients is considered to be more affordable, convenient, and sometimes even life saving. Fortunately the services in these new facilities are also covered by many if not most insurance plans. This lessens and relieves the longtime pressure on hospital emergency rooms that in the past always had to treat many non-urgent health problems.

Gap Insurance
Sometimes good hard working people in Coatesville and nearby towns in the Valley find themselves through no fault of their own between jobs and without insurance. We all know that it may take quite some time for new graduates in Coatesville to find suitable work after completing their schooling. Young adults have until the age of 26 to stay on their parents policy these days. Both of these potentially difficult situations bring about situations where health insurance may easily lapse. Much to the chagrin of many, the Affordable Care Act removed the gap policies that had once helped these individual. The good news is now these policies are back. Shorter-term health coverage plans help individuals for up to a year and can be renewed for up to three years.

The Business of Healthcare
Throughout what’s often described as the messy healthcare industry, we’re seeing major shifts most would never have ever considered remotely likely or possible. Coatesville and other regional healthcare providers and insurance companies are now consolidating. The reason they’re now partnering is obviously to cut costs as most will immediately know, but hopefully also to improve the healthcare experience to customers. The mergers between these health insurance companies and providers in theory helps to reduce unnecessary duplication and hopefully improves the effective management of patient health care. One recent example of a big merger was Aetna merging with CVS. Increasingly, companies are seeking to merge services with suitable business partners in this increasingly competitive health business environment.

Easily Choose Great Health Insurance in Coatesville PA

The comprehensive and professional advice from the team at the Randy Roberts Insurance Agency is offered at no cost to you. We always work with nationally recognized insurance providers to offer both quality and affordability to Coatesville residents. Remember, whether the insurance is inside or outside of the ACA exchanges, we stay completely current on the latest changes and offerings. High quality, affordable health insurance is our whole business. This is what makes us able to better serve our Coatesville and local clients every single day.

The Randy Roberts Insurance Agency handles all the following kinds of Coatesville insurance:

  • Individual & Family Health Insurance
  • Medicare Plans
  • Medicare Advantage Plans
  • Medicare Supplemental Insurance
  • Medicare Prescription Drug Plans
  • Small Business Health Insurance
  • Life Insurance
  • Dental Insurance
  • Vision Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Accident Insurance
  • Long-Term Care Insurance
  • Wellness Products

Available Coatesville Providers

  • Highmark (ACA and non ACA)
  • Capital Blue Cross (ACA and non ACA)
  • Geisinger (ACA and non ACA)
  • Aetna
  • United Healthcare
  • Faith Based plans

Insurance Terms You Need to Be Familiar with in Coatesville

Deductible
This is the amount the insured has to pay before the insurance starts to kick in and take up the remaining costs. A policy with a higher deductible would have lower monthly premium

Coinsurance
Once the insurance begins to pay, many don’t understand they still share a percentage of costs with the insurance company. In most cases the insurer pays 80% of the costs and the insured bears the remaining 20%. However, when you reach a maximum “out of pocket” limit, the insurance covers 100% of medical costs.

Copayments
For each visit to your Coatesville physician or healthcare provider the insured pays a fee which can vary depending on the doctor seen and the facility attended. If one stays within a specified area or network the fee is less. Consulting with a specialist will usually cost more.

Prescription Plan
Many plans only offer prescription coverage in Coatesville and other areas as additional insurance for an additional premium. If the insured must take several medications then this coverage is something they should have. Insurers often pay 100% or only have a small copayment if a generic drug is chosen. Most costly name-brand drugs may have higher copayments.

Supplemental Plans
There are several kinds of supplemental plans for specific Coatesville healthcare issues like dental and vision. Each of these has a wide range of options for the amount of coverage the insured may want or need. Other supplemental plans are available for those who need extended nursing care or rehabilitation services. An Income Protection plan can replace lost income if you cannot work for an extended period of time.

The Right Insurance Plan in Coatesville, PA for You

Randy Roberts Healthmarkets Agency will help you to finally understand how much your medical care will really cost. Whether you frequently use it, or if you use your insurance at the lowest limits. We may be able to change your monthly payment amount substantially by altering other parts of your total Health Insurance equation.

We work with you to find you the best health insurance plan in the town of Coatesville. At the HealthMarkets Randy Roberts Insurance Agency, we eliminate your gaps in coverage while retaining affordability. You get what you need the most, and we get you protected. We will provide you with the best possible Health Insurance coverage options for your family in or near Coatesville, Pennsylvania.

Call Frank at HealthMarkets/Randy Roberts Insurance today at (267) 221-1346 and let us find the right insurance for you.

New Tripoli PA Health Insurance

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Know the Facts – Get Affordable Quality Health Insurance in New Tripoli Lehigh Valley, PA

Health insurance and healthcare are changing rapidly, so for the latest information and advice near New Tripoli call HealthMarkets Randy Roberts Insurance Agency. For over 10 years they have been serving customers in Allentown, Bethlehem, Easton, Coopersburg, Northampton, Bath, Danielsville and surrounding towns. HealthMarkets knows the ins and outs of health insurance policies and what to look for in affordable coverage. Our free service will help you find the right health insurance for you and your family.

Big Changes Announced in Health Insurance Affecting New Tripoli & US

Low Cost Plans
Perhaps most on people’s minds is the cost of health insurance. In recent times, changes now allow states like Pennsylvania to apply for waivers from the ACA insurance mandates. By doing this, it allows insurance companies to offer more affordable insurance. There are people who don’t want insurance or feel they need the coverage required by the ACA. For many, even the ACA subsidies do not lower costs enough for New Tripoli residents who found the Obama era plans unaffordable. These new low cost plans are also eligible for ACA.

New Technology Leading the Changes
New technologies are leading and shaping the changes we see everyday in how doctors diagnose and treat New Tripoli medical problems. Digital technology gives the promise of better access of medical information and lower overall costs to patients. Advances such as laser and laparoscopic surgery have greatly reduced hte risks and have sped up patient recovery times. New technologically based innovations are even changing the age old patient/doctor relationship. Patients can now connect with doctors in some areas through a Smart Phone app without an office visit. Many routine health issues can be handled right from the patient’s New Tripoli home.

Urgent & Immediate Care
No emergency room required in many cases…Urgent Care, Immediate Care, and Express Care services are trending and now commonplace in New Tripoli, Lehigh Valley. Many routine health concerns that once could only be addressed elsewhere can now be by these facilities. They are considered convenient, affordable, and sometimes even life saving. Fortunately their services are also covered by most insurance plans. They serve to help relieve the longtime pressure on hospital emergency rooms from having to treat non-urgent health problems.

Gap Insurance
Sometimes good hard working people in New Tripoli and nearby find themselves through no fault of their own between jobs and without insurance. We all know that it may take quite some time for new graduates in New Tripoli to find suitable work after completing their schooling. Young adults have until the age of 26 to stay on their parents policy these days. Both of these potentially difficult situations bring about situations where health insurance may easily lapse. Much to the chagrin of many, the Affordable Care Act removed the gap policies that had once helped these individual. The good news is now these policies are back. Shorter-term health coverage plans help individuals for up to a year and can be renewed for up to three years.

The Business of Healthcare
Within the oft described messy healthcare industry, we’re seeing major shifts some would have never even conceived of. New Tripoli area Providers and insurers are consolidating. The reason they say they’re partnering is to reduce the cost of delivering healthcare to customers. The mergers between insurance companies and providers in theory helps to reduce duplication and hopefully effectively manage patient care. One recent example, Aetna merged with CVS. More and more, companies are seeking to merge services with suitable business partners in an increasingly complex business environment.

Easily Choose Better Health Insurance in New Tripoli PA

The detailed, professional advice from Randy Roberts Insurance Agency is offered at no cost to you. We work with nationally recognized insurance provider companies to offer both quality and affordability to New Tripoli residents, whether the insurance is inside or outside of the ACA exchanges. We are and stay totally current on the latest changes and offerings. High quality, affordable insurance is our business, so we can better serve our New Tripoli and other clients each and every day.

The Randy Roberts Insurance Agency handles all the following kinds of insurance:

  • Individual & Family Health Insurance
  • Medicare Plans
  • Medicare Advantage Plans
  • Medicare Supplemental Insurance
  • Medicare Prescription Drug Plans
  • Small Business Health Insurance
  • Life Insurance
  • Dental Insurance
  • Vision Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Accident Insurance
  • Long-Term Care Insurance
  • Wellness Products

Available New Tripoli Providers

  • Highmark (ACA and non ACA)
  • Capital Blue Cross (ACA and non ACA)
  • Geisinger (ACA and non ACA)
  • Aetna
  • United Healthcare
  • Faith Based plans

Insurance Terms You Need to Know

Deductible
This is the amount you have to pay before the insurance starts to kick in and take up your cost. A policy with a higher deductible would have lower monthly premium

Coinsurance
Once the insurance begins to pay, you still share a percentage of costs with the insurance company. In most cases the insurer pays 80% of the costs and you bear the remaining 20%. However, when you reach a maximum “out of pocket” limit, the insurance covers 100% of medical costs.

Copayments
For each visit to your New Tripoli doctor or healthcare provider you pay a fee which can vary depending on who you see and where you go. If you stay within a specified area or network the fee is less. Consulting with a specialist usually costs more.

Prescription Plan
Many plans only offer prescription coverage in New Tripoli as additional insurance for an additional premium. If you must take several medications then this coverage is something you should have. Insurers often pay 100% or only have a small copayment if you use a generic drug. Most costly name-brand drugs may have higher copayments.

Supplemental Plans
There are several kinds of supplemental plans for specific New Tripoli healthcare issues like dental and vision. Each of these has a wide range of options for the amount of coverage you may want or need. Other supplemental plans are available for those who need extended nursing care or rehabilitation services. An Income Protection can replace lost income if you cannot work for an extended period of time.

The Right Insurance Plan in New Tripoli, PA for You

Randy Roberts and Healthmarkets will help you to truly understand how much your medical care will cost. Whether you rarely use it, or if you use your insurance to its upper limits. We can often change your monthly payment amount substantially by altering other parts of the Health Insurance equation.

We work with you to choose the best health insurance plan in New Tripoli. At the HealthMarkets Randy Roberts Insurance Agency, we eliminate gaps in coverage. You get what you need, and we get you protected with the best possible Health Insurance options for you and your family in or near New Tripoli.

Call Lori at HealthMarkets/Randy Roberts Insurance today at (610) 905-2800 and let us find the right insurance for you.

Health Insurance by Agent Bill Zeky

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Health Insurance Northampton PA

People in Northampton are asking where they can find decent, affordable health insurance. Increasingly, Northampton businesses are dropping health insurance they used to give employees. State and federal law uncertainty make it even more confusing. People wonder if they can find plans they can afford.

HealthMarkets Randy Roberts Insurance Agency has affordable health insurance products for families in Northampton and the Lehigh Valley. Randy Roberts shops nationally recognized providers to locate plans that fit your budget and your family.

HealthMarkets serves the cities of Allentown, Bethlehem, Easton, Coopersburg, Northampton, and Pen Argyl. Randy Roberts looks for the best insurance at the best price. He listens to your needs so you have the coverage you want at a price you can afford.

Choosing the Right Plan in Northampton PA
With dozens of insurance plans and options that are continuously changing, Randy Roberts cuts through all the red tape. He talks directly with the companies to show you how he compares their policies and prices to find the best fit.

No Initial Charges
Our service is free in Northampton. You pay nothing for our expert help. We work with nationally known insurance companies who specialize in quality, affordable insurance.

Our Providers

  • Highmark (ACA and non ACA)
  • Capital Blue Cross (ACA and non ACA)
  • Geisinger (ACA and non ACA)
  • Aetna
  • United Healthcare
  • Faith Based plans

Available Insurance Plans in Northamton PA

  • Individual & Family Health Insurance
  • Medicare Plans
  • Medicare Advantage Plans
  • Medicare Supplemental Insurance
  • Medicare Prescription Drug Plans
  • Small Business Health Insurance
  • Life Insurance
  • Dental Insurance
  • Vision Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Accident Insurance
  • Long-Term Care Insurance
  • Wellness Products
  • Insurance Glossary

Deductible
This is the amount you are responsible for before the insurance begins: the lower the deductible, the higher the monthly premium. An accident or hospital stay could quickly reach the deductible.

Coinsurance
This is percentage you share with the insurer after the deductible is met. For example, insurance pays 80% and you pay 20% after the deductible. There is usually a maximum out of pocket amount after which the insurance covers 100%.

Copayment
Copayment is what you pay directly to the provider when you visit. The Copayment is usually higher for providers outside a preferred network and higher for a specialist.

Prescription Plan
Insurance plans can offer prescription plans as a policy rider at an additional cost. For someone on regular medications this coverage may be a great benefit.

Maximum Out of Pocket Cost
We want to make sure that you are comfortable with what your plan coverage and the costs you may have to pay. We help you to understand what the actual cost could be when you use your insurance.

Monthly Payments
We strive to keep monthly premiums affordable without substantially changing other parts of the Health Insurance equation.

Supplemental Plans
Supplemental plans can be used to fill in gaps in insurance coverage. For example, Dental and Vision plans are supplemental. Critical care and Hospitalization are other options to cover costs of a critical illness or a hospital visit that are not covered by other insurance. Income Protection can also be written into a plan in the event an illness leaves you unable to work for a time.

Call the Randy Roberts Insurance Agency & HealthMarkets today at (610) 554-7332 and let us find the right insurance in Northampton for you.

Wynnewood PA Health Insurance

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Who Should You Call for Affordable Health Insurance in Wynnewood, PA

With all of the never ending changes, you really need good advice from a professional who knows health insurance the the options available. Many people in Wynnewood are calling Randy Roberts at the Randy Roberts HealthMarkets Insurance Agency. As business professionals, we understand your need and search to find the best health insurance coverage for the best price. We ask the right questions to make sure you get the right coverage for you and your family.

Every day the news in Wynnewood and abroad is filled with debates about the high costs of medical care and health insurance. All that can be said for certain is that the healthcare system is going to keep changing. The other message to take away is that going without any health insurance is a gamble. Everyone, at one time or another, will need medical care and routine checkups can catch and treat issues before they become serious problems.

Why You Shouldn’t Try to Go Without Health Insurance in Wynnewood

Here are just a few reasons you shouldn’t try to go without health insurance in Wynnewood. Many people don’t comprehend the financial ruin that can overtake families without adequate insurance, and it happens more frequently than you’d expect.

1. The increasing price of medical an related industry services is in front and center in the news every day. People in Wynnewood and elsewhere still often put off buying health insurance that can cover them. The consequences of this for a growing family can be awful financially. The good news is that many insurance regulations are changing for the better. Affordable health care policies are becoming available as state and federal rules evolve.

2. Having a serious accident, illness, or mishap can leave you or your family saddled with debt for many years. Medical costs are one of the most significant factors in personal bankruptcies. Andrew at Randy Roberts Insurance can find a plan that fits your needs and your budget in Wynnewood, so you don’t have to run the risk of going without health insurance coverage.

3. Lower cost plans are finally being allowed again. Once again, states like Pennsylvania can apply for waivers from ACA insurance mandates. So, insurance carriers can offer more affordable policies to those who don’t want or need coverage required by the ACA. Even with subsidies, the Exchange plans were often too expensive for many in Wynnewood. These low cost plans are ACA compatible.

4. New and sometimes cutting edge technology is lowering costs and helping to make healthcare more accessible. The way doctors diagnose and treat medical issues has even changed recently. Digital technology now gives many patients easy access to their personal medical information as never before. Laser and other high tech surgery methods have improve both risk and recovery times. In some locations such as Wynnewood, patients and doctors can now connect with each other through a Smart Phone app without an office visit. You can connect to medical providers from your home.

5. Urgent Care, Immediate Care, and Express Care provide services for many of the routine Wynnewood health concerns that once went to emergency rooms at higher costs. This affordable,convenient option is usually covered by insurance. Emergency rooms are left to focus on severe health problems.

6. Gap Insurance, which was eliminated under the ACA, is now available again as of this writing. When Wynnewood individuals find themselves between jobs and with lapse in health insurance, short-term health plans cover them for up to 12 months and can be renewed for up to three years.

7. The healthcare industry as a whole has been undergoing major internal transformation and will continue to do so for the foreseeable future. Many providers and insurers are attempting mergers to reduce the higher costs of delivering healthcare services. Insurance companies and healthcare providers are trying to integrate to reduce high cost redundancy and more efficiently manage patient care. Now, insurance companies are seeking to merge their business services with sensible business partners.

Our Wynnewood Health Plan Providers

  • Highmark (ACA and non ACA)
  • Capital Blue Cross (ACA and non ACA)
  • Geisinger (ACA and non ACA)
  • Aetna
  • United Healthcare
  • Faith Based plans

Our Wynnewood Area Insurance Plans

  • Individual & Family Health Insurance
  • Medicare Plans
  • Medicare Advantage Plans
  • Medicare Supplemental Insurance
  • Medicare Prescription Drug Plans
  • Small Business Health Insurance
  • Life Insurance
  • Dental Insurance
  • Vision Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Accident Insurance
  • Long-Term Care Insurance
  • Wellness Products

New Healthcare Reforms in Wynnewood
Healthcare has been evolving at an accelerating pace in the USA for many years. New technologies and company mergers are improving access and affordability. Regulations change constantly at both the state and federal level.

For the latest up to date information on how this affects you call the Randy Roberts at HealthMarkets Randy Roberts Insurance Agency, the leading provider of affordable, customizable health insurance plans centered on you.

How Changes Affect You
To offer easier and more efficient access to healthcare, providers are opening numbers of Urgent Care facilities. These healthcare venues are popping up in malls and main streets in towns large and small. Urgent or Immediate Care centers offer treatment for most common health issues. Patients can avoid unnecessary trips to more expensive hospital emergency rooms. Also, patients can get an immediate appointment instead of waiting days or weeks to see a doctor. ER’s can take care of more severe health problems and injuries.

Now, states can be granted for waivers from ACA regulations so insurers can offer more affordable coverage. ACA subsidies are also available for this type of insurance.

Short-term health plans are back. These interim plans are in effect for up to 12 months but can be renewed for up to three years. Short-term policies fill lapses in coverage for people between jobs or seeking a job after finishing their education.

Leaps in technology have improved access to care and the efficiency of health services. Some patients connect with their medical team through Smart Phone apps from their own homes. This new technology shows great promise for treatment of a wide range of health concerns.

Finally, providers have been merging with insurance carriers to streamline efficiency and avoid duplication. For example, Aetna recently merged with CVS in an effort to reduce duplication and associated costs. Other providers are joining in as they see the advantages of merging.

Choosing the Right Insurance Plan

There are so many plans and different options to choose from so he can help you cut through all the confusion. Let the Randy Roberts at Randy Roberts Insurance Agency make the calls. He compares the plans and costs to find you the insurance plan that is the right for you.

Our services are completely free to you. That’s right, our help and expertise costs you nothing. We work with the big national insurance companies to offer quality, affordable health insurance coverage.

Insurance Glossary

Deductible
This is amount of money you are responsible to pay before any insurance remuneration begins: the higher the deductible, the lower the monthly premium. A major accident or major illness reaches the deductible quickly.

Coinsurance
This is a percentage of the medical cost you share with your insurer. For example, if your insurance covers 75% then you pay 25% after you reach the deductible. After a maximum out of pocket is reached, insurance covers 100%.

Copayment
A Copayment is what you pay on a doctor visit or when seeing a specialist. The copayment is often lower for providers within a designated network and higher for a specialist.

Prescription Plan
Insurance plans can offer prescription plans as a policy rider at an additional cost. For someone on regular medications this coverage may be a great benefit and can stave off financial shortfalls.

Maximum Out of Pocket Cost
We want to make sure that plan coverage and the costs meet your needs and expectations. You don’t need insurance until you need it for your and your family.

Monthly Payments
We strive to keep monthly payments affordable without substantially changing other parts of the Health Insurance equation.

Supplemental Plans
Supplemental plans can be used to fill in gaps in insurance coverage. For example, Dental and Vision plans are considered supplemental. Critical care and Hospitalization are other non-required items to cover costs of a critical illness or a hospital visit that are not covered by regular insurance. Income Protection can also be written into a plan in the event an accident or illness leaves you unable to work for a long period of time.

Call Randy Roberts at Randy Roberts today and get the right Wynnewood insurance coverage for you and your beloved family.

Lansdowne PA Health Insurance

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7 Reasons You Can Buy Affordable Health Insurance Now in Lansdowne PA

Every day the news in Lansdowne and abroad is filled with debates about the high costs of medical care and health insurance. All that can be said for certain is that the healthcare system is going to keep changing. The other message to take away is that going without any health insurance is a gamble. Everyone, at one time or another, will need medical care and routine checkups can catch and treat issues before they become serious problems.

One other takeaway from all this debate is that it pays to use the services of a professional Lansdowne insurance agent who has the latest information on what policies are available, how much they will cost, and what they will cover. Call Randy Roberts at the Randy Roberts Insurance Agency for the latest information on plans offered in Lansdowne, Pennsylvania. His expert advice costs you nothing. It’s free. He works with nationally recognized insurance companies that provide quality, affordable individual and group privately or through the Affordable Care Act (ACA) exchanges. He keeps abreast of the latest changes and details on insurance plans so he can meet his clients needs.

Why You Shouldn’t Try to Go Without Health Insurance in Lansdowne

Here are some reason you should not go without health insurance for you and your Lansdowne family. Many people don’t understand the financial ruin that overtakes families without it more frequently than you’d expect.

1. The increasing price of medical services is in the news almost every day. Yet, people in Lansdowne and elsewhere still delay buying health insurance that can cover them. The consequences can be financially disastrous. The good news is that the insurance regulations are changing. Affordable health care policies are becoming available as state and federal rules evolve.

2. An serious illness or mishap can leave you or your family with debts for years. Medical costs are significant factor in personal bankruptcies. Randy Roberts can find a plan that fits your needs and your budget in Lansdowne, so you don’t have to run the risk of going without health insurance coverage.

3. Lower cost plans are finally being allowed again. Once again, states like Pennsylvania can apply for waivers from ACA insurance mandates. So, insurance carriers can offer more affordable policies to those who don’t want or need coverage required by the ACA. Even with subsidies, the Exchange plans were often too expensive for many in Lansdowne. These low cost plans are ACA compatible.

4. New technologies are lowering costs and making health care more accessible. Even the way doctors diagnose and treat medical issues is changing. Digital technology gives patients easy access to personal medical information. Laser and laparoscopic surgery improve both risk and recovery times. In some locations, patients and doctors in areas such as Lansdowne can now connect with each other through a Smart Phone app without an office visit. You can connect to medical providers from your home.

5. Urgent Care, Immediate Care, and Express Care provide services for most routine Lansdowne health concerns. This convenient and affordable alternative is usually covered by insurance. Emergency rooms are left to focus on severe health problems.

6. Gap Insurance, which was eliminated under the ACA, is now available as of this writing. When Lansdowne individuals find themselves between jobs and with lapse in health insurance, short-term health plans cover them for up to 12 months and can be renewed for up to three years.

7. The healthcare industry itself is undergoing major internal transformation. Providers and insurers are merging to reduce the cost of delivering healthcare. Insurance companies and providers integrate to reduce duplication and efficiently manage patient care. More and more, insurance companies are seeking to merge services with suitable business partners.

Our Lansdowne Health Plan Providers

  • Highmark (ACA and non ACA)
  • Capital Blue Cross (ACA and non ACA)
  • Geisinger (ACA and non ACA)
  • Aetna
  • United Healthcare
  • Faith Based plans

Our Lansdowne Area Insurance Plans

  • Individual & Family Health Insurance
  • Medicare Plans
  • Medicare Advantage Plans
  • Medicare Supplemental Insurance
  • Medicare Prescription Drug Plans
  • Small Business Health Insurance
  • Life Insurance
  • Dental Insurance
  • Vision Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Accident Insurance
  • Long-Term Care Insurance
  • Wellness Products

Insurance Glossary

Deductible
This is amount of money you are responsible to pay before any insurance remuneration begins: the higher the deductible, the lower the monthly premium. A major accident or major illness reaches the deductible quickly.

Coinsurance
This is a percentage of the medical cost you share with your insurer. For example, if your insurance covers 75% then you pay 25% after you reach the deductible. After a maximum out of pocket is reached, insurance covers 100%.

Copayment
A Copayment is what you pay on a doctor visit or when seeing a specialist. The copayment is often lower for providers within a designated network and higher for a specialist.

Prescription Plan
Insurance plans can offer prescription plans as a policy rider at an additional cost. For someone on regular medications this coverage may be a great benefit and can stave off financial shortfalls.

Maximum Out of Pocket Cost
We want to make sure that plan coverage and the costs meet your needs and expectations. You don’t need insurance until you need it for your and your family.

Monthly Payments
We strive to keep monthly payments affordable without substantially changing other parts of the Health Insurance equation.

Supplemental Plans
Supplemental plans can be used to fill in gaps in insurance coverage. For example, Dental and Vision plans are considered supplemental. Critical care and Hospitalization are other non-required items to cover costs of a critical illness or a hospital visit that are not covered by regular insurance. Income Protection can also be written into a plan in the event an accident or illness leaves you unable to work for a long period of time.

Call Randy Roberts at Randy Roberts today and get the right Lansdowne insurance coverage for you and your beloved family.

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